Call reports 2013
STATE SAVINGS BANK — 2013
What STATE SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 95,520,000 | 91,841,000 | 92,800,000 | 92,186,000 |
| Total loans | 74,196,000 | 75,638,000 | 75,185,000 | 78,819,000 |
| Allowance for loan losses | 1,131,000 | 1,182,000 | 1,206,000 | 1,130,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 715,000 | 755,000 | 755,000 | 755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,311,000 | 82,511,000 | 84,062,000 | 80,958,000 |
| Interest-bearing deposits | 72,304,000 | 69,447,000 | 71,516,000 | 68,458,000 |
| Noninterest-bearing deposits | 14,006,000 | 13,064,000 | 12,546,000 | 12,500,000 |
| Equity capital | 7,983,000 | 8,101,000 | 8,505,000 | 8,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,017,000 | 2,041,000 | 3,062,000 | 4,097,000 |
| Interest expense | 138,000 | 274,000 | 410,000 | 537,000 |
| Net interest income | 879,000 | 1,767,000 | 2,652,000 | 3,560,000 |
| Noninterest income | 101,000 | 201,000 | 312,000 | 410,000 |
| Noninterest expense | 513,000 | 1,057,000 | 1,597,000 | 2,272,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 437,000 | 851,000 | 1,277,000 | 1,578,000 |
| Income tax | 15,000 | 37,000 | 59,000 | 81,000 |
| Net income | 422,000 | 814,000 | 1,218,000 | 1,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,983,000 | 8,101,000 | 8,505,000 | 8,784,000 |
| Total capital | 8,849,000 | 8,968,000 | 9,369,000 | 9,682,000 |
| Risk-weighted assets | 69,008,000 | 69,058,000 | 68,759,000 | 71,583,000 |